Travis Penny is a licensed Mortgage Broker with Vision Mortgage, LLC, NMLS ID #1649161. Travis holds active state mortgage licenses in Maine and Florida. For residential mortgage loans intended for owner occupied properties, we originate in Maine and Florida only. For DSCR investor loans, which are business purpose loans secured by non owner occupied residential investment property with 1 to 9 units, we currently originate in the 37 states listed below. Most states do not require a separate state mortgage license for business purpose loans. Some states require the loan to be closed in the name of a limited liability company or corporation. State availability and program eligibility are subject to change without notice. Confirm your specific scenario with us before applying.
Residential Mortgage Licensing (Owner Occupied)
| State | Regulator | Verify Licenses |
|---|---|---|
| Maine | Maine Bureau of Consumer Credit Protection | View on NMLS |
| Florida | Florida Office of Financial Regulation | View on NMLS |
Vision Mortgage, LLC (NMLS #1286953) and Travis Penny (NMLS #1649161) are licensed in Maine and Florida. Current state company and individual license numbers are listed on the official NMLS Consumer Access record above.
DSCR Investor Loan State Availability (Business Purpose)
DSCR loans cover 1 to 9 unit properties. Mobile homes and manufactured homes are not eligible.
| State | LLC or Corp Vesting Required |
|---|---|
| Alabama | No |
| Alaska | No |
| Arkansas | No |
| Colorado | No |
| Connecticut | No |
| Delaware | No |
| Florida | No |
| Georgia | Yes |
| Hawaii | No |
| Illinois | No |
| Indiana | No |
| Iowa | No |
| Kansas | No |
| Kentucky | No |
| Louisiana | No |
| Maine | No |
| Maryland | No |
| Massachusetts | No |
| Mississippi | No |
| Missouri | No |
| Montana | No |
| Nebraska | No |
| New Hampshire | No |
| New Mexico | No |
| North Carolina | No |
| Ohio | No |
| Oklahoma | No |
| Pennsylvania | No |
| Rhode Island | No |
| South Carolina | No |
| Tennessee | No |
| Texas | No |
| Virginia | Yes |
| Washington | No |
| West Virginia | No |
| Wisconsin | No |
| Wyoming | No |
State and federal law governing business purpose lending changes from time to time. We confirm eligibility for every individual scenario before accepting a file.
Need a state not listed?
For private money or commercial real estate financing nationwide, our sister brand Capital Goat handles those scenarios. Visit thecapitalgoat.com or call (207) 615-7770.